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Impacts to Property Owners & Renters

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There are two ways that property owners are impacted by zone designations. The first is that the designation sets the insurance requirements, and the second is that any new construction on a parcel needs to meet minimum elevation requirements.


The cost of properly protecting a home and contents from flood damage is far less expensive than the cost to repair or replace it after a flood has occurred. Homeowner and renter insurance policies usually do not cover flood damage. These policies typically only cover the building’s structure, not the contents. As a result, the City of Fort Lauderdale encourages residents who rent or own property in an SFHA to purchase flood insurance to protect their home and possessions against loss from flood damage. Renters can obtain insurance to cover the contents of their home, even if the owner does not insure the structure.

When FEMA maps are adopted, if a structure is mapped into a high-risk area and the owner has a mortgage with a federally-regulated lender, the owner is required to purchase flood insurance. If a property is mapped into a low-or moderate-risk area, the owner is not required to purchase or maintain insurance, but is strongly encouraged to do so.

The City of Fort Lauderdale participates in the National Flood Insurance Program (NFIP). Because of this, coverage can often be obtained at significant savings. The average cost for a flood insurance policy is around $500 per year. Further, homeowners may qualify for a Preferred Risk Policy that covers both a structure and its contents for as little as $112 per year. Coverage for renters starts at just $39 per year

As of mid-2013, Fort Lauderdale residents became eligible for a greater discount off their annual flood insurance premiums, as a result of proactive measures undertaken by the City to exceed minimum NFIP standards and reduce the local flood hazard. In recognition of the City’s efforts to enhance flood mitigation and protect life and property, the Federal Emergency Management Agency (FEMA) has designated Fort Lauderdale as a Class 6 community under the Community Rating System (CRS). As residents of a Class 6 community, property owners and renters who renew or purchase flood insurance policies after May 1, 2013 are eligible for a 20% total discount off annual premiums.

Talk to your insurance agent to determine the appropriate level of protection you need and the money savings options that are available. Keep in mind, policies generally require a 30-day waiting period before taking effect. For additional information about insurance, visit FEMA: FAQs About Your Flood Insurance Information Packet.


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